The process of loan application is usually hectic. Particularly when you’re taking into consideration a loan that could last for quite some time of your life, the accuracy of information, proper analysis of all the budget constraints now and in the years to come must be taken care of. Firstly, in this process, it is important for one to get hold of a copy of their credit report and make sure there are no errors in it. Incorrect information can lead to cancellation of the loan or lenders charging higher interest. On the basis of the affordability, down payment size, one can choose the type of mortgage loan required and a plan to suit their needs. You can get an FHA loan approval if you are a first time home buyer as it will help bring down your down payment percentage.
The market value of the house is determined, and when the application for mortgage loan completes, the borrower will have to provide lots of information which include his bank information, investment statements, proof of employment and few other documents. It would be a good idea to assemble all this information earlier to have a hassle free process. At the end of this, the lender decides whether to approve the application or not and if denied, the borrower is supposed to receive a statement in writing as to the reason for the rejection of a request from the lender.
You will have to provide proof of your ability to pay which plays a crucial role in the approval of your loan application. A wide range of documents will be checked for this purpose including financial statements, tax forms, employment history, etc.
The final step of this procedure is the closing process which involves all the people who were present and might be needed in the future concerning this loan. All the necessary papers are signed, and the deal is finalized. The ownership of the property is transferred legally to the buyer. The borrower would have to sign numerous documents during the closing procedure which include HUD-1 settlement statement, mortgage note, the truth-in-lending statement and quite a few other documents post which the application process ends and the borrower avails the mortgage loan.
The best weed trimmers to beautify your gardenRead More...
If you pride on having a green thumb and love gardening, then weeds are your worst nightmare. Weeds are not just detrimental for the plant’s growth, they make your yard look neglected. If you wouldn’t want your blanket flowers to wither away because of the weeds, then weed trimmers are your best friends.
Your dilemma doesn’t end here. There is a huge variety of weed trimmers to choose from. What if the one you just brought, instead of beautifying your lawn destroys it? Well, here are the best weed trimmers that would give you the results that you wish for.
The Husqvarna- This 17inch, 28 cc weed trimmer is the best equipment you can find for your garden. You needn’t fear about cutting yourself since it is quite user-friendly. Though the machine vibrates to some extent, you are safe since the vibrations won’t jerk the machine out of your hands. It is almost vibration-free to a certain point and can cut through the weeds with great ease. The semi-auto spool feeding is a feature that every owner finds useful.
GreenWorks- This light weight and affordable weed trimmer does its work efficiently. Do not let the light weight and low price fool you into thinking that it won’t be as effective as its counterparts. It is 18inches and 9.9lbs, equipped with a trigger handle designed to reduce the impact of the vibrations. Also, it has an additional control shaft on the handle that makes it easier for the user to maneuver it.
Black and Decker- This battery-powered weed trimmer is the best deal you can land up with if you are looking for something that is extremely powerful and worth every penny you can spend. It is cordless and thus, you are safe from problems caused by tangling of wires. Though it is battery-powered, it is light-weight and can make your garden weed-free in no time.
Hitachi- This 21.1cc machine is the perfect weed killer. It is a gas-powered weed trimmer that can weed out your entire lawn in no time. It has an anti-vibration system, is CARB compliant and to the delight of the owner is equipped with semi-auto spool feeding. If cost-efficient weed trimmer is what you are on the lookout for, then do not think twice before opting for this one.
Core- The environment-friendly wee d trimmer is the perfect choice for the ones who are concerned about the environment. It is gasless! The Conductor Optimized Rotary Energy (CORE) is responsible for its eco-friendly features.
So, the next time you go shopping for weed trimmers, you know what exactly to look for.
4 things to look for while choosing a gaming laptopRead More...
We are not called ‘generation next’ without reason. Technology is something we live with. Imagine a day without a smartphone or a laptop or without the Internet; almost unimaginable, right? We use technology for a lot of things—checking emails, social media, connecting with people, etc. Among all of these, gaming is also something that a lot of people have taken to, big time.
And while there are some brands like Asus, Acer, HP, Sony, and Dell laptops that offer some great options in gaming, a few things you need to keep in mind before purchasing one are:
- Graphics: A good graphics processing unit (GPU) is of utmost importance here. Nvidia is the latest in the GPU gaming scene. Some brands like HP, Acer, Asus, and Dell laptops come endowed with Nvidia.
- Display size: In the case of a gaming laptop, size does matter and a minimum of a 15-inch screen size would be ideal to enjoy a good gaming experience. The market also has laptops with a screen size of 17-inches, but that would be too much bulk to carry around, considering this is a laptop and not a desktop. Brands like Asus, HP, Acer and Dell laptops offer you wonderful screens with a 15-inch size option.
- SSD is the way to go: Also known as the solid-state storage device, SSDs were rather steeply priced in the past. Today, however, an SSD has become pretty affordable. From boot time to the time taken to launch a game, an SSD boosts the overall speed and performance of your laptop.
- Don’t forget the memory: A minimum 8GB RAM is essential for a gaming laptop. This will ensure your laptop doesn’t hang and runs smoothly while gaming. While you will find a few options with an 8GB RAM in Dell laptops, brands like HP and Acer offer you a higher memory option of around 16GB.
Our pick of the top five models for a fantastic gaming experience is Alienware 17 R4 (2017), Origin EON17-X 10 Series, Dell Inspiron 15 7000 Gaming, Asus ROG Zephyrus (GX501VI), and HP Omen 17.